Southern
Southern is a credit union based in Chattanooga, Tennessee, established in 1943, with $18 million in total assets serving 1,632 members. By Trust Grade it ranks 97th of 126 credit unions we track in Tennessee. Its net worth ratio of 11.9% trails most similarly sized credit unions (32th percentile), versus a Tennessee median of 13.9%. It posted a loss over the most recent period (-0.53% return on assets), a point to watch. No consumer complaints against Southern appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southern compares to Tennessee peers
How we graded Southern
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.9% capital ratio)
- Unprofitable over the period (ROA -0.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southern over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Southern insured?
Yes. Southern is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southern: frequently asked questions
Is Southern a good credit union?
Southern earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Strongly capitalized (11.9% capital ratio); Unprofitable over the period (ROA -0.53%).
Is Southern NCUA-insured?
Yes. Southern is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Southern?
Southern holds $18 million in total assets, ranking 97th of 126 credit unions we track in Tennessee. It serves 1,632 members.
Does Southern have CFPB complaints?
No CFPB complaints against Southern appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
